1998 Pontiac Bonneville Insurance Cost

Finding the cheapest insurance for a new or used Pontiac Bonneville can normally be difficult, but you can learn the following methods and make it easy. There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to price shop coverage on a Pontiac and locate the cheapest rates from both online companies and local agents.

If you are insured now or need a new policy, you can learn to reduce the price you pay while maximizing coverage. Locating the best coverage is easy if you know what you’re doing. Drivers just need to learn how to find the lowest price over the internet.

Cheaper rates by getting discounts

Auto insurance companies do not advertise the complete list of policy discounts in a way that’s easy to find, so here is a list some of the best known as well as some of the hidden credits available to you.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
  • Military Discounts – Having a family member in the military could trigger a small discount.
  • Policy Bundle Discount – If you can combine your auto and home policy and insure them with the same company you could save up to 20% off your total premium.
  • Organization Discounts – Joining qualifying clubs or civic groups can get you a small discount on your next renewal.
  • Good Grades Discount – This discount can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Distant Student – living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

A list of companies and their offered discounts can be read below.

  • Geico includes discounts for five-year accident-free, emergency military deployment, multi-policy, multi-vehicle, and anti-theft.
  • SAFECO may offer discounts for teen safety rewards, multi-car, anti-theft, teen safe driver, and drive less.
  • State Farm discounts include Drive Safe & Save, multiple autos, Steer Clear safe driver discount, anti-theft, and student away at school.
  • MetLife may include discounts for accident-free, claim-free, multi-policy, defensive driver, and good driver.
  • 21st Century may have discounts that include teen driver, driver training, homeowners, student driver, automatic seat belts, good student, and early bird.
  • Progressive offers premium reductions for homeowner, continuous coverage, good student, multi-vehicle, online quote discount, online signing, and multi-policy.

It’s a good idea to ask every company how many discounts you can get. Savings may not apply to policies in your area.

Your auto insurance coverage should be tailored to you

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can aid in determining whether you may require specific advice.

  • How much liability insurance is required?
  • Is pleasure use cheaper than using my 1998 Pontiac Bonneville to commute?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when driving in Canada or Mexico?
  • Does having multiple vehicles earn me a discount?
  • Is my teen driver covered when they drive my company car?
  • Is my Pontiac Bonneville covered if I use it for business?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Does car insurance advertising bend the truth?

Drivers can’t avoid all the ads for the lowest price car insurance by 21st Century, Allstate and State Farm. They all seem to have a common claim that drivers can save some big amount just by switching to their company.

Is it even possible that every company can cost less than your current company?

Insurance companies have strict underwriting profiles for the type of driver that will most likely be profitable. One example of this type of driver may need to be between the ages of 30 and 45, has no prior claims, and drives less than 7,500 miles a year. Any customer who fits those characteristics will get low premium rates and as a result will probably save when they switch companies.

Consumers who fall outside those standards will be charged higher rates which leads to business going elsewhere. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s why companies can truthfully state the savings. Because of this risk profiling, drivers must do a quote comparison often. Because you cannot predict the company that will have the lowest rates.

Detailed coverages of your auto insurance policy

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses like X-ray expenses, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Pontiac Bonneville.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto liability – Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects, attorney fees, medical expenses and pain and suffering. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Shop smart and save

Insureds switch companies for a number of reasons such as extreme rates for teen drivers, high prices, policy cancellation or poor customer service. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

When you buy insurance online, do not skimp on coverage in order to save money. In many cases, consumers will sacrifice liability coverage limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

We just presented some good ideas how to shop for 1998 Pontiac Bonneville insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding inexpensive insurance. You may even discover the most savings is with a small mutual company.

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